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Wow, just got off the phone with SLS and now they are saying they want $120,000 debt settlement which is close to the full amount of the original loan. I said no way and you can foreclose on the home since it is not worth it for me to keep the it. I told them they will lose money if they...

I am engaging them in a settlement now. However, they say they will call me back and never do. I call several times a week and request to speak to my POC. I have made a formal offer in writing and sent them my 1st payoff amount as requested. Their excuse now is that they need to put a file...

Hello, just following up.... After speaking to one Chpt 13 real estate Attorney I decided payments are too much. He recommended I do a refi but it's not possible to get a refi since the balance on the loans is more than that what the home is worth in CA. Liens were discharged and the 2nd SLS is...

I’m not sure the SOL is applicable in CA. I hear they can renew the SOL. May 2020 is when chpt 7 bankruptcy was discharged. I might need to consider chpt 13 bankruptcy to wipe out the the 2nd and 3rd though it’s not an option I prefer. Specialized Loan Services is notorious for not being upfront...

Appreciate your help and I will continue to look at the CA laws :)

Hello, I found this website very useful when my first mortgage with Nationstar was modified and I got a HAMP approval back in 2013. I did not pay the 2nd mortgage as my house was underwater. Now my house is above water and I have been trying to negotiate on my own but never gave them any of my...